\begin{table}[htbp]\centering
\def\sym#1{\ifmmode^{#1}\else\(^{#1}\)\fi}
\caption{Effect of Mobile Banking on on mobile banking use, savings and loans \label{tab:res1}}
\begin{tabular}{l*{5}{c}}
\toprule
                &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}&\multicolumn{1}{c}{(4)}&\multicolumn{1}{c}{(5)}\\
                &\multicolumn{1}{c}{Any use}&\multicolumn{1}{c}{Value transactions}&\multicolumn{1}{c}{Number transactions}&\multicolumn{1}{c}{Savings Balance}&\multicolumn{1}{c}{Late Loan}\\
\midrule
Saving          &   -0.004         &   -2.940         &   -0.027         &    4.106         &   -0.015         \\
                &  (0.002)         &  (2.948)         &  (0.012)         & (11.478)         &  (0.012)         \\
                &  [0.107]         &  [0.319]         &  [0.031]\sym{**} &  [0.721]         &  [0.199]         \\
                &\{0.611\}         &\{0.910\}         &\{0.351\}         &\{1.000\}         &\{0.757\}         \\
Mobile Banking  &    0.063         &   29.519         &    0.079         &   18.368         &   -0.024         \\
                &  (0.004)         &  (3.722)         &  (0.017)         & (11.488)         &  (0.012)         \\
                &  [0.000]\sym{***}&  [0.000]\sym{***}&  [0.000]\sym{***}&  [0.110]         &  [0.036]\sym{**} \\
                &\{0.000\}\sym{***}&\{0.000\}\sym{***}&\{0.000\}\sym{***}&\{0.251\}         &\{0.104\}         \\
\midrule
Observations    &    60000         &    60000         &    60000         &    60000         &    17540         \\
Control Mean    &    0.024         &   11.345         &    0.075         &  285.447         &    0.295         \\
p-Value Saving=MB &    0.000         &    0.000         &    0.000         &    0.218         &    0.443         \\
Wave FE         &\text{Yes}         &\text{Yes}         &\text{Yes}         &\text{Yes}         &\text{Yes}         \\
\bottomrule
\multicolumn{6}{p{1\linewidth}}{\footnotesize All regressions control for strata fixed effects, wave fixed effects and the following controls selected by post-double-select LASSO: age, age squared, gender, saving balance and saving balance squared. Any use is a dummy variable equal to one if any mobile banking transaction was carried out during the month. Value transactions is the sum of the value of mobile banking transactions in a month, in Ghanian cedis. Number transactions is the number of mobile banking transactions carried out in a month. Savings balance is the end of month balance in GHS in the partner bank account only. Late loan payment is a dummy variable if the client has missed the a loan repayment deadline. It is missing for non-loan clients. Control mean is the mean for the outcome variable in the control group in August. Individually clustered standard errors in parentheses. p-values in square brackets. q-values in curly brackets. \sym{ ***} p $<$ 0.01, \sym{**} p $<$ 0.05, \sym{*}* p $<$ 0.1.}\\
\end{tabular}
\end{table}
